Welcome to my website and thank you for being here. Congratulations on taking the first step towards buying your home. I look forward to serving you. With Bayshore Mortgage and me, you are in good hands. I have been a Mortgage Loan Officer for 20 years. Experienced in doing all types of loans: Conventional, FHA, VA, USDA, non-QM “out of the box” loans, etc. I really enjoy working with Fist Time Home Buyers. I am very passionate about my work. 100% bilingual (English/Spanish). My service and approachability set me apart. I am here for you ready to guide you through the entire Loan process. It’s my job to answer your questions and to make this a smooth process for you. I look forward to serving you.
Dedicated to helping individuals and families achieve their homeownership goals with confidence. Melinda is known for her personalized approach, clear communication, and commitment to making the mortgage process as smooth and stress-free as possible. Whether you’re purchasing your first home, refinancing, or investing in real estate, Melinda is passionate about providing expert guidance and exceptional service every step of the way.
Here to Help with all Your Mortgage Needs! I’m a phone call away. Reach via Phone, Email, or Apply Directly through My Site.
Ryan is a seasoned mortgage lender with 20+ years of experience and an MBA in finance and accounting. He specializes in helping clients navigate first-time home purchases, refinances, construction and land loans, equity lines, and FHA/VA financing, delivering practical solutions with a strong focus on execution and results.
I have been in banking and mortgage for 10+ years. I was a top underwriter and then a top loan officer in this country. My time I have spent working through many situations has taught me how to deliver top notch service and results for my agents and clients!
I became a loan originator because I believe homeownership should be an empowering and transparent experience not a confusing one. With over 5 years of experience navigating both the California and Texas real estate markets, I specialize in helping clients understand every step of the mortgage process so they can make confident, informed financial decisions.
At Bayshore Mortgage Funding, I’m proud to work for a company that values integrity, education, and long-term relationships over short-term transactions. Whether you’re a first-time buyer, refinancing for better terms, or expanding your investment portfolio, my goal is to tailor financing that fits your life not just your loan application.
I take pride in breaking down complex lending terms into clear, actionable guidance so you can move forward with clarity and peace of mind. My approach is simple: listen first, educate second, and deliver results that align with your goals.
Here to Help with all Your Mortgage Needs! I’m a phone call away. Reach via Phone, Email, or Apply Directly through My Site. Apply Now!
Here to Help with all Your Mortgage Needs! I’m a phone call away. Reach via Phone, Email, or Apply Directly through My Site. Apply Now!
Garrett O’Brien is the Vice President of Mortgage Lending at Bayshore Mortgage, with 19 years of extensive experience in the mortgage industry. Known for his dedication to client success, Garrett has consistently guided borrowers through the complexities of mortgage lending, ensuring they receive tailored advice and superior service.
Beyond his professional achievements, Garrett is an avid sports enthusiast and a passionate community advocate. He actively supports veterans, firefighters, teachers, and all first responders through his involvement with Homes for Heroes, a nonprofit organization dedicated to assisting these essential community members. Garrett also plays a key role in organizing events and community service projects for first responders, demonstrating his commitment to giving back and making a positive impact. His blend of professional expertise and community dedication makes him a distinguished leader in the mortgage industry.